Updated September 28, 2026 · DebitCue Editorial Team
ether.fi vs Qonto_AT
Qonto_AT
ether.fi
Higher score in this comparison
What sets them apart
| Compare | ether.fiReviewSee alternativesSee alternatives | Qonto_ATReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | €0 |
| Currency conversion fee | 0% to 0.5%Lower | 2% |
| Rewards type | Cashback | None |
| Perks | Global eSIM, Visa concierge, Airport lounge access, Flight and medical coverage, Baggage delay and loss protection, Auto rental coverage, Purchase and price protection, Identity theft protection, Insurance backed account balance protection up to $500,000, 1 free virtual card, Ether.fi Travel 5% cashback | Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere |
| APR | Not confirmed | 17.5% |
| Rewards rate | 3% cashback, up to $2K monthly spend (Core), paid in ETHFI | Not confirmed |
| Cashback rate | 3% | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- ether.fi scores higher overall: 9.6 vs 8.8.
- Qonto_AT is available in 7 more countries.
- Currency conversion fee is lower at ether.fi: 0% to 0.5% vs 2%.
- Perks: only ether.fi offers Global eSIM, Visa concierge, Airport lounge access.
- Perks: only Qonto_AT offers Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Support channels: only ether.fi offers Community.
- Support channels: only Qonto_AT offers Phone.
- Features: only ether.fi offers Rewards.
- Features: only Qonto_AT offers Multi currency, Virtual card, Travel.
Our verdict on each
ether.fi
ether.fi suits companies and freelancers who want a business card with no annual charge and cashback on everyday spend, plus travel extras for staff who fly. It scores 8.2 overall, and its currency costs are modest for a card aimed at spend that crosses borders.
Qonto_AT
Qonto suits sole traders and small companies that want a euro account with a Mastercard card and an annual fee of €0. The account itself costs €9 a month and overdraft borrowing runs at 17.5%, so the card only pays off if you use it.
Score breakdown
| Area | ether.fi | Qonto_AT |
|---|---|---|
| Cost | 9.4Higher | 9.1 |
| Offer | 9.8HigherAnnual fee $0 with a 3% cashback, up to $2K monthly spend (Core), paid in ETHFI reward, the rate capped by monthly spend. | 9.4 |
| Trust | Not confirmed | 8.2 |
Where each is licensed and available
| Country | ether.fi | Qonto_AT |
|---|---|---|
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
Additional countries for ether.fi: 1. Additional countries for Qonto_AT: 8.
What we checked
ether.fi
- ether.fi: 7 facts, checked September 26, 2026
- help.ether.fi: 4 facts, checked September 26, 2026
Qonto_AT
- qonto.com: 11 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | ether.fi | Qonto_AT |
|---|---|---|
| Credit cards | 66 of 1020 | 7 of 1020 |
| Business credit cards | 8 of 92 | 2 of 92 |
Every fact side by side
| Fact | ether.fi | Qonto_AT |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Multi currency, Virtual card, Travel |
| Audience | Business | Business |
| Legal entity | Not confirmed | QONTO |
| Headquarters | Not confirmed | France |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Chat, Help centre, Community | Chat, Email, Phone, Help centre |
Debit cards
| Fact | ether.fi | Qonto_AT |
|---|---|---|
| Monthly fee | Not confirmed | €9 |
| Free ATM withdrawals | Not confirmed | €0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Mastercard |
| Currencies | Not confirmed | from 30 |
Where each stands against the rest
| Fact | ether.fi | Qonto_AT | Median |
|---|---|---|---|
| APR | Not confirmed | 17.5%below the median | 19.39% |
| Currency conversion fee | 0% to 0.5%below the median | 2%above the median | 1 |
| Cashback rate | 3%highest quarter | Not confirmed | 1.5% |
Median across 312 listed cards.
Pros and cons
ether.fi
Pros
- Currency conversion fees run 0% to 0.5%, against a 1% median across the site and a 1.85% median in the credit card ranking.
- Support runs on email, chat and help centre, so a service problem has chat, email, a help centre and community behind it.
- The card is aimed at business users, so it fits a company expense run rather than a personal wallet.
Cons
- Support runs on email, chat and help centre, which lists no phone line, so a blocked payment or disputed charge waits on a chat reply or an email answer.
- Currency conversion fees run 0% to 0.5%, and the top of that range sits above the 0% Varo charges and the 0% Chime charges, so a card used mainly on foreign purchases costs more to run here.
- 3% cashback, up to $2K monthly spend (Core), paid in ETHFI caps the cashback at a monthly spending ceiling on the Core tier and pays it in ETHFI, so the reward neither grows with heavy spend nor holds a fixed cash value.
Qonto_AT
Pros
- Annual card fee of €0, and card insurance covers travel, business purchases and fraud.
- Multi-currency, virtual card and travel features come with the Mastercard.
- Deferred debit is available at no extra cost on Plus and X Cards.
Cons
- The account charge of €9 a month sits above the site median €0.
- Conversion at 2% is above the site median 1%.
- Spend earns nothing back, with a rewards type of none.
Who each suits
ether.fi
Who it suits
- Businesses and freelancers who put card spend through a company account, since the card is aimed at business users.
- Anyone who buys in several currencies, since conversion fees run 0% to 0.5% against a 10.5% ceiling elsewhere on the site.
- Cardholders who want cover on the balance rather than points, given the protection listed in Global eSIM, Visa concierge and Airport lounge access.
Who should look elsewhere
- Not people who need free currency conversion: Varo charges 0%, so foreign-heavy spend costs less there.
- Not people rebuilding a credit record from scratch: Chime Card (Secured Visa Credit Card) is a secured card, while ether.fi is aimed at business users and pays cashback.
- Not shoppers choosing on the annual fee: Wise also has no annual fee at £0, so the case here rests on the reward and the protection bundle.
Qonto_AT
Who it suits
- A sole trader or small company paying staff and suppliers from the same euro account.
- Businesses spending across from 30 currencies that keep a balance in each.
- Teams wanting a virtual card for subscriptions next to a physical Mastercard.
Who should look elsewhere
- Anyone after cashback on spend, since the rewards type here is none, so Chime Card (Secured Visa Credit Card) is worth a look.
- Anyone without a company behind the account, as Qonto is built for business customers and Wise serves personal money.
- Anyone building a credit record first, for whom Varo Believe Secured Credit Card is the secured option.
Current offers
Qonto_AT
Current offer
Free trial
1-month free trial on Qonto business account plans: 1 month free
Offered on the Basic, Smart and Premium business account plans; displayed prices are monthly equivalents billed annually
Source, checked September 26, 2026
Country by country
| Country | ether.fi | Qonto_AT |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
8 of 9 countries where either is available.
Questions about each
ether.fi
What does the card cost to keep open?+
There is no annual charge: the fee is $0, and ether.fi runs a no annual fee model rather than a paid subscription tier. For a card that sits in a company wallet, that removes the yearly renewal decision entirely, and the running cost becomes the reward rate rather than a fee to budget for.
What does it cost to spend in another currency?+
Currency conversion fees run 0% to 0.5%, so most conversions are cheap while the top of that range is not free. If your business pays foreign suppliers regularly, compare it with Varo at 0% and Chime at 0%, which both hold currency at no charge.
Qonto_AT
What does a Qonto business account cost each month?+
The account itself is billed at €9 a month, while the card carries an annual fee of €0. Overdraft borrowing is charged at 17.5%, and currency conversion on the card costs 2%. Card spend itself adds nothing, so the running cost depends on borrowing and on how often you pay in another currency.
Who supervises Qonto in France?+
Qonto is supervised in France by ACPR (Autorite de Controle Prudentiel et de Resolution), recorded as 16958. The French register lists the same authority as PSD_PI FR_ACPR!68677, and France is the headquarters country. Both entries point to the same French body, so the account sits under a single named supervisor.
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Qonto_AT
ether.fi